Realtor fees with Seller Financing

[James Likis]

Here’s the scenario: we are preparing to make an offer of seller financing with 0% down but the property is on market and listed with a realtor. 

I am curious how folks have navigated the realtor fees when pursuing 0% or low percent down on seller financing. I know the seller is responsible for the realtor fees, but seems something worth noting in how the deal is structured. Does anyone have any tips on structuring the deal to help account for this?

Thank you in advance!

[Bill B.]

Let me get this straight. You’re going to tell the seller of a $400k property. 

What I want you to do is give the realtors $24k and then I’ll buy it for say $1,900 a month at 4% for 30 years. So a year from now you’ll almost be even, unless of course I walk away. Maybe me and the realtor are in this together. Once you pay his commission out of your pocket I’ll fail to make any more payments on my zero down purchase?

Raising the price 3-6% with zero down does the seller no good. You’re still asking them to come out of pocket $30k or more with closing costs. What other offers are  you going to best with that?